Your ACA Enrollment Guide

ACA Marketplace plans are health care plans that people buy on their own.  You could qualify for financial subsidies that lower your premiums when you enroll in an ACA Marketplace coverage.  

Open Enrollment starts Nov.1, 2025, and ends Jan 15, 2025

High-deductible plans with basic coverage for serious illness or injury.  Pay a low monthly premium, but you pay more when you get medical care.  It's a good fit if you rarely see your doctor and want a low-cost way to protect yourself against serious illness or injury.

Bronze Metal Level Only 

Convenient, low-premium plans with unlimited 24/7 access to virtual primary, and urgent care.  No co-pays. No coinsurance.  Virtual care through the Galileo mobile app.  It's a good fit if you like the convenience of texting or having a video visit with your doctor.  

Bronze, Silver, and Gold Metal Levels

Plans with a $0 copay at your primary care from the first day of coverage and a Health Savings Account  (HSA) option  This plan has an option for virtual care.  It's a good fit if you regularly see your doctor and want a low-cost plan with more benefits than the Essential plan.

Available on the Bronze, Silver, and Gold metal levels

Low deductible plans with vision and dental benefits.  Higher monthly premiums and lower costs when you get care.   It's the richest plan and has a low or zero deductible. 

 It's a good fit if you see doctors often. 

Available on the Silver and Gold Metal levels

Low deductible plans with flat copays for most services. You will know what you will pay before you see the doctor. It's a good fit if you are willing to pay a higher premium to lower your costs when you get care.

Available on Bronze, Silver, and Gold metal levels